Welcome to the Experian Thought Leadership Hub

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Experian's data scientists and analysts equip fintechs with consumer credit trends to help make strategic lending decisions as well as a profitable growth roadmap for the second half of 2024 and beyond. Impactful callouts from the report include:

• Unsecured personal loan originations for fintech lenders are showing a stead 5-year growth despite being down from this time last year.
• Delinquency rates for fintech lenders in both unsecured personal loads and credit cards are seeing Month-over-month decreases in Q1 of 2024.

This Report delves deeper into these Fintech credit trends and analyzes their potential impact on the Fintech lending landscape. Inside, you'll find:

• Data-driven insights: Understand the trends impacting your core products
• Expert analysis: Gain insights into the factors driving these changes
• Actionable strategies: Explore potential adjustments to your lending approach

Experts discuss pressures impacting Fintech growth and innovations that will redefine the way identity risks and confidence are recognized.

In our recent fraud trends Webinar, Experian experts discussed findings from the latest Identity and Fraud Report and how organizations can leverage data and analytics to identify and address different fraud types without negatively impacting the customer experience.

Discover how Atlas Credit was able to streamline their campaign processes and better inform their marketing strategies to make credit offers to high-value, high-potential consumers.

Discover how Atlas Credit was able to double their loan approval rates while reducing risk with instant decisioning and custom models.

Learn how home equity lender, Spring EQ, leveraged Experian Boost™, which captures the value of consumer's utility and telecom trade lines, to help applicants near approval or risk thresholds qualify for better loan terms and conditions.